Premium and PlatinumCards

For service and benefits that are second to none, reward yourself with a premium Card for your platinum lifestyle.

Why choose an American Express® Platinum Card?

For a Card that delivers on every level, look no further than the range of American Express Premium Cards. On top of the unmatched levels of service and benefits you’d expect, like redeeming points and Global Card support and protection, your Card may offer VIP privileges such as exclusive invites, airport lounge access and concierge services.

What makes a Card Platinum?

What makes a Card Platinum?

Premium or Platinum Cards offer great value benefits, more perks and richer rewards than a standard Credit Card. These benefits normally come with a higher annual fee, so you should weigh up the value of these benefits together with the way you spend to see how the Card will suit your lifestyle. The terms ‘Platinum’ and ‘Premium’ can often be used interchangeably when it comes to describing Credit Cards – it is less to do with the actual card colour, and more to do with the breadth and quality of benefits that come with the Card, with these categories typically providing the richest benefits available by any Credit Card provider.

How is a Platinum program superior?

How is a Platinum program superior?

Our Premium Cards offer the chance to earn a higher points rate per dollar spent – either as a higher overall rate, or at an accelerated rate on specific spend categories. So, for example, fine dining connoisseurs can earn 3 points per dollar spent in restaurants in Australia when paying with The American Express Platinum Card.

What features do I look for?

What features do I look for?

As well as a higher points earn rate, Platinum or Premium Cards typically carry additional benefits, the majority of which are geared towards the frequent traveller. To make international trips even more comfortable, Card benefits may include complimentary lounge access, concierge services, travel insurance benefits, a yearly travel credit to spend with American Express Travel and a range of other benefits to help you arrive refreshed and ready for anything.

1. Earning Membership Rewards points is subject to the Terms and Conditions of the Membership Rewards program available at membershiprewards.com.au/termsandconditions. Spending at restaurants, airlines and accommodation, major cruise and tour operators will only be eligible for increased Membership Rewards points where they are categorised as such in the American Express Merchant Acceptance system. For example, dining within a retail department store, hotels, pubs and liquor outlets may not be eligible to receive the additional points for restaurants. Membership Rewards points are awarded on the $AU equivalent amount of the spend in foreign currency. Except for spend in foreign currency, purchases at these Merchants are only eligible for additional points if the transactions are made in Australia. The American Express Platinum Card has a points threshold of 300,000 points per year of membership, after which your earn rate will revert to one point per $1 spent (except for spend at Merchants where you earn 0.5 points per $1 spent).

2. Platinum Travel Credit. Platinum Card Members are eligible for one Travel Credit of $300 per year on annual Card fee renewal date. The $300 Travel Credit can be redeemed against any single eligible travel booking of $1 or more when booking online through americanexpress.com.au/platinumtravel or by phone through your Platinum Travel Service. If the full Travel Credit amount is not redeemed against a single travel booking then the remaining amount will be forfeited. The Travel Credit can be used for 365 days from date of issue and cannot be carried forward to any subsequent year. Supplementary Card Members and American Express Platinum Business Cards are not eligible for this benefit. Card Members are only able to redeem one Travel Credit per booking. If a Card Member holds more than one Travel Credit across multiple American Express® Cards, the Card Member can choose which Travel Credit they would like to redeem against their booking. Refunds may be permitted based on supplier cancellation policy. The amount refunded will be the value of the booking, less supplier fees and the Travel Credit where applicable contributed by American Express. There is no refund on the Travel Credit. Once a booking has been cancelled the travel voucher for that year will be forfeited. Changes to bookings are permitted subject to supplier terms and conditions. Booking amendment fees may apply. Membership Rewards points will not be earned on the Travel Credit. Travel Credit redemptions made online through americanexpress.com.au/platinumtravel or by phone, is applicable to eligible Flight, Hotel, Car Hire and Experiences bookings only. The Credit may not be used towards Cruises. The Travel Credit may not be used towards Hotel and Car Hire bookings where payment is made directly to the supplier (i.e. FINE HOTELS & RESORTS). Travel services provided American Express International, Inc. ABN 15 000 618 208. Incorporated with Limited Liability in Delaware, USA.

3. Subject to the Terms and Conditions of the Membership Rewards program available here. To transfer Membership Rewards points into an airline rewards or Frequent Guest Partner program you must be a member of the partner program. Membership of the partner program is the Card Member's responsibility and is subject to the Terms and Conditions of the applicable program. A joining fee may apply.

4. Complimentary Priority Pass membership is available to the Basic Platinum and one nominated Supplementary Card Member per account on enrolment. It may take up to eight weeks from approval for you to receive your card. Platinum Card Members must present the Priority Pass card and same-day boarding pass to gain entry into the lounge. Use of this card means full acceptance of Priority Pass conditions of use. One complimentary guest is permitted per eligible enrolled Platinum Card member only. Any additional travel companions will be assessed a guest visit fee at the prevailing rate, currently USD27, per person, per visit. The fee will be charged to the Platinum Card account on file. Additional Supplementary Card enrolments will be charged at a reduced rate of USD249. Visit prioritypass.com for full program terms and conditions.

5. You must be a member of the Qantas Frequent Flyer program to earn and redeem points. A joining fee may apply. Membership and points are subject to the terms and conditions of the Qantas Frequent Flyer program available at qantas.com/terms. Points are earned in accordance with and subject to the Qantas American Express Card Points Terms and Conditions, and exclusions apply. Eligible purchases do not include cash advances, interest, balance transfers, fees and charges for travellers cheques and foreign currencies – these do not earn Qantas Points. For the full list of exclusions, please refer to the Qantas American Express Cards Points Terms and Conditions available at americanexpress.com.au/qantaspointsconditions. Certain transactions will earn 0.5 points per dollar with Merchants classified as; “government”, including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies.

6. To receive the Qantas Travel Credit, you must have paid the annual Card fee and minimum payment by the due date. The $450 Qantas Travel Credit can be redeemed for any eligible Qantas flight booked (i.e. a QF flight number on your ticket) and paid online through American Express Travel in a single booking. All travel is subject to Qantas Conditions of Carriage. The Travel Credit can be used for 365 days from the anniversary date and cannot be carried forward to any subsequent year. For bookings less than $450 any unused portion of the Qantas Travel Credit will be forfeited. The Qantas Travel Credit will be available each year of Card Membership, as long as you have paid the annual fee and your account is current and in good standing. Subject to Qantas Travel Credit, Terms and Conditions.

7. Provided you are a Qantas Frequent Flyer and have registered your Qantas Frequent Flyer number with your Qantas American Express Ultimate Card, you are eligible to receive two Qantas Club Lounge Invitations each anniversary year of your Card Membership after purchasing on selected Qantas products and services using your Qantas American Express Ultimate Card. Selected Qantas products and services are Qantas passenger flights with a QF flight number purchased on the Qantas merchant account i.e. with Qantas direct or some travel agents and Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, and Qantas branded non-airfare products. Subject to the Qantas American Express Card Points Terms and Conditions. Within 1-2 weeks of purchasing selected Qantas products and services, two Qantas Club Lounge Invitations will be assigned to your Qantas Frequent Flyer account. Visit the Complimentary Invitations Portal to access your invitation, link it with an eligible Qantas flight booking or find out more information. Qantas Club Lounge Invitations are valid for a single visit by one guest to a Qantas Club Lounge and must be used prior to their expiry. Invitations are subject to the Qantas Club Terms and Conditions and are not valid for Qantas International First Class Lounges, the Qantas Chairman’s Lounge, Qantas Domestic Business and or oneworld® alliance partner or associated lounges. Qantas Club Invitations cannot be carried forward to any subsequent year and must not be sold, they may only be transferred as allowed by Qantas. Invitations may be revoked or withheld if your Qantas American Express Ultimate Card account is not in good standing, if the selected Qantas products and services are refunded in full or if you have not complied with these Qantas Club Invitation Conditions, the Credit Card Terms and Conditions or the Qantas Club Lounge Access Terms and Conditions.

8. Entry into the American Express Lounge is governed by the full Terms and Conditions available at goodgoing.com.au/lounge. All entrants must adhere to the General Conditions of Entry. Qantas American Express Ultimate Card Members are entitled to two (2) entries into the American Express Lounge per calendar year (1 January to 31 December) for each American Express Card account. Complimentary access is available for the Card Member’s children between the ages of 2-17. Card Members wishing to bring additional guests may be subject to a charge that is to be processed on the Card Member's American Express Card. From time to time, American Express Card Members may be issued with a One-Day Pass for entry into the American Express Lounge at the discretion of American Express.

9. The Qantas American Express Ultimate Card insurance is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits) - please see the Terms and Conditions. You must use your Qantas American Express Ultimate Card to pay for your return trip in order to be eligible for the travel insurance and pay for eligible items in order to be covered under the insurance. The insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy held by American Express International, Inc. (ABN 15 000 618 208, AFSL No. 237996). Card members are not a party to the group policy, but may be able to claim under it as third party beneficiaries. This communication does not take into account your objectives or financial situation. You should read the full terms and conditions to decide if this insurance meets your needs.

10. Velocity Points are earned in accordance with the American Express Velocity Cards Points Terms and Conditions available here. Exclusions apply. Eligible purchases do not include cash advances, interest, balance transfers, fees and charges for traveller’s cheques and foreign currencies. These do not earn Velocity Points. For the full list of exclusions, please refer to the American Express Velocity Cards Points Terms and Conditions available here. Certain transactions will earn 0.5 points per dollar with Merchants classified as; "government", including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies. The additional Velocity Point earned per $1 spent applies only to Virgin Australia purchases made in Australia.

11. The complimentary domestic Economy Virgin Australia return flight is only available between selected Australian cities and is available for booking by American Express Velocity Platinum Card Members after your first Card spend in the first year, and then after your first Card spend each year after the anniversary of your Membership. All flights are subject to availability and neither Virgin Australia nor American Express guarantees that seats or tickets will be available on the dates or at the times you may wish to fly. Seat availability may be limited to certain dates and/or flights and it may be more difficult to book seats around public holidays, school holidays or special events. Some flights may not have any seats available for redemption. Route availability is subject to change without notice. All travel is subject to the American Express Velocity Platinum Card Benefits Terms and Conditions available here and travel is subject to Virgin Australia Conditions of Carriage available at virginaustralia.com.

12. Entry into the American Express Lounge is governed by the full Terms and Conditions available at goodgoing.com.au/lounge. All entrants must adhere to the General Conditions of Entry. American Express Velocity Platinum Card Members are entitled to two (2) entries into the American Express Lounge per calendar year (1 January to 31 December) for each American Express Card Account. Complimentary access is available for the Card Member's children between the ages of 2-17. Card Members wishing to bring additional guests may be subject to a charge that is to be processed on the Card Member's American Express Card. From time to time, American Express Card Members may be issued with a One-Day Pass for entry into the American Express Lounge at the discretion of American Express.

13. Virgin Australia lounge entry passes are subject to the American Express Velocity Platinum Card Benefits Terms and Conditions available here. Two Single Entry passes to the Virgin Australia lounge will be activated on the Basic Card Member's Velocity membership card annually on or after each annual Card fee renewal date. Single Entry passes are valid for 12 months from the date of issue. The Virgin Australia lounge is operated by Virgin Australia Airlines Pty Ltd in selected domestic airports and entry is subject to the Virgin Australia lounge Terms and Conditions, available here and as amended from time to time.

14. American Express Velocity Platinum Card Insurances are subject to terms, conditions and exclusions. The complimentary travel insurance cover is also subject maximum age limits, pre-existing medical conditions and limits and is available when you use your American Express Velocity Platinum Card to pay for return domestic or international travel. American Express Velocity Platinum Card Insurances are underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL 239687) (Chubb). Refer to the American Express Velocity Platinum Card Insurances Terms and Conditions between American Express International, Inc. (ABN 15 000 618 208, AFSL 237996) (American Express) and Chubb available here. This communication does not take into account your objectives, financial situation or needs. It is important for you to read the Terms and Conditions and consider the appropriateness of that insurance in relation to your individual requirements.

15. Reward Points are governed by the David Jones Storecard and David Jones American Express Reward Points Terms and Conditions and exclusions apply. For full Terms and Conditions go to davidjones.com.au/rewardpoints.

16. Subject to the David Jones Storecard and David Jones American Express Reward Points Terms and Conditions available at davidjones.com.au/rewardpoints. The redemption of points is subject to your account being kept in good standing and not overdue.

17. Reward Points are earned and converted to Qantas Points in accordance with the David Jones Storecard and David Jones American Express Card Reward Points Terms and Conditions available at davidjones.com.au/rewardpoints and exclusions apply. For the David Jones American Express Card 1 Reward Point = 0.75 Qantas Points. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points, which are subject to the Qantas Frequent Flyer program Terms and Conditions available at qantas.com/terms.

18. Entry into the American Express Lounge is governed by the full Terms and Conditions available at goodgoing.com.au/lounge. All entrants must adhere to the General Conditions of Entry. David Jones American Express Platinum Card Members are entitled to two (2) entries into The American Express Lounge per calendar year (1 January to 31 December) for each American Express Card account. Complimentary access is available for the Card Member’s children between the ages of 2-17. Card Members wishing to bring additional guests may be subject to a charge that is to be processed on the Card Member’s American Express Card. From time to time, American Express Card Members may be issued with a One-Day Pass for entry into The American Express Lounge at the discretion of American Express.

19. Receive complimentary next day delivery to any address within the metropolitan or regional area of the store in which your goods were purchased with the David Jones American Express Platinum Card. Goods must be under 25kg and no larger than 1m x 1m x 1.5m. Excludes orders placed online, gift cards, hampers, Wine Club, fresh food, Gift Registry purchases and large items.

20. Complimentary alterations available on all women’s and men’s apparel when purchased instore at David Jones on the David Jones American Express Platinum Card. Offer excludes David Jones Bridal. Items cannot be returned or exchanged once altered.